Country Guide
Best Home Insurance in Michigan (2026)
Michigan homeowners face winter storms and lakefront risks. Compare top carriers for comprehensive MI coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Michigan
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Agent network | $1,680/yr | — |
| 2 | USAA | Military families | $1,380/yr | — |
| 3 | Citizens Insurance | MI-based carrier | $1,560/yr | — |
| 4 | Allstate | Local agents | $1,860/yr | — |
| 5 | Erie Insurance | Claims satisfaction | $1,740/yr | — |